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Rates
This credit union is federally insured by National Credit Union Administration NCUA
Savings
|
Account Type |
Minimum
Dividend
Balances |
Dividend Rates |
APY* |
| Regular Checking |
$0 |
N/A |
N/A |
| Regular Shares (Savings) |
$25 |
1.25% |
1.28% |
| Christmas Club |
$25 |
0.25% |
0.32% |
| Vacation Club |
$25 |
0.25% |
0.32% |
All rates effective as of January 31, 2007.
All share account dividends are earned on the average daily balance (unless otherwise noted) and are posted and compounded quarterly.
All share account rates are Variable Rates (unless otherwise noted).
*APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change. Not responsible for typographical errors or omissions. Fees could reduce the earnings on the account.
Certificates
|
Account Type |
Minimum
Dividend
Balances |
Dividend
Rates |
APY* |
| Term Share Certificates: |
| 6 Month |
$1,000 |
Call for current rates |
Call for current yields |
| 12 Month |
$1,000 |
| 18 Month |
$1,000 |
| 24 Month |
$1,000 |
All rates effective as of January 31,2007.
All certificate dividends are earned on the actual certificate balance (unless otherwise noted) and are posted and compounded monthly. Penalties exist for early withdrawal.
Member has the option to have dividends transferred to Share account or check mailed. If member chooses this option the certificate would be non-compounding
*APY stands for Annual Percentage Yield. Certain assumptions apply. See our Truth-In-Savings disclosure concerning dividend calculation methods and restrictions. Rates are subject to change. Not responsible for typographical errors or omissions.
Loans
|
Effective January 31, 2007 - All Rates are subject to change. |
|
Loan Type |
Rate Type |
Interest Rate |
APR |
Monthly Payments per
$1000.00 borrowed |
| Credit Card - Good As Gold Classic VISA* |
Fixed |
8.90% |
8.90% |
|
| Unsecured: |
| Draft Access Line of Credit |
Fixed |
15.00% |
15.00% |
$90.27 |
| Unsecured Personal: |
| 1 Year |
Fixed |
11.00% |
11.00% |
$88.42 |
| 2 Year |
Fixed |
12.00% |
12.00% |
$47.10 |
| 3 Year |
Fixed |
13.00% |
13.00% |
$33.72 |
| Debt Consolidation - 1 to 4 Years |
Fixed Loan
Maximum of $15,000 |
12.50% |
|
$26.60 |
| Passbook Loans (Share Secured) |
Current Dividend Rate
3.0% |
4.25% |
|
$85.28 |
| Great Rate New Auto Loans: ** |
| 1 to 5 Years |
Fixed Loan
Maximum of $40,000 |
24 months = 5.50%
36 months = 5.50%
48 months = 6.00%
60 months = 6.25% |
|
$85.84
|
| Great Rate Used Auto Loans: |
| 1 to 5 Years |
Fixed Loan
Maximum of $35,000 |
24 months = 6.00%
36 months = 6.50%
48 months = 6.75%
60 months = 6.95% |
|
|
| Recreational Vehicle: |
| New 1 to 5 Years |
Fixed Loan
Maximum of $35,000 |
10.50% |
10.50% |
$88.15 |
| Used 1 to 5 Years |
Fixed Loan
Maximum of $35,000 |
12.50% |
12.50% |
$89.09 |
| Home Equity Line of Credit - 5 Year Draw |
Variable 10 Year Payback Line
Maximum of $50,000 |
Prime Rate |
|
|
| Fixed Home Equity |
Fixed Loan
Maximum of $75,000 |
Prime Rate |
|
|
| Home Improvement Loans: |
| 1 to 10 Years |
Fixed Loan
Maximum of $40,000 |
9.50% |
|
$87.69 |
* Maximum Credit Line of $10,000.
** Automobile is 1 year or newer and over $20,000.
Non-mortgage loans calculate simple interest on number of days outstanding; example: Auto Loan $10,000 for 48 months at 6.75% Annual Percentage Rate (APR), Monthly Payment = $238.33, Total Interest = $1,439.84, Total Payments = $11,439.84. Optional Credit Life and Credit Disability Insurance are available at additional cost (not included in above example); credit insurances are not required for borrowing. Rates are subject to change. Not responsible for typographical errors.
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